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    • I googled "prescribed disability" to see where it is defined for the purposes of S.92. I found HMRC's definition, which included deafness. I don't  think anyone is saying deaf people cant drive, though! digging deeper,  Is it that “prescribed disability” (for the purposes of S.88 and S.92) is defined at: The Motor Vehicles (Driving Licences) Regulations 1999 WWW.LEGISLATION.GOV.UK These Regulations consolidate with amendments the Motor Vehicles (Driving Licences) Regulations 1996...   ….. and sleep apnoea / increased daytime sleepiness is NOT included there directly as a condition but only becomes prescribed under “liability to sudden attacks of disabling giddiness or fainting” (but falling asleep isn't fainting!), so it isn’t defined there as a “prescribed disability”  Yet, under S.92(2)(b) RTA 1988 “ any other disability likely to cause the driving of a vehicle by him in pursuance of a licence to be a source of danger to the public" So (IMHO) sleep apnea / daytime sleepiness MIGHT be a prescribed disability, but only if it causes likelihood of "driving being a source of danger to the public" : which is where meeting / not meeting the medical standard of fitness to drive comes into play?  
    • You can counter a Judges's question on why you didn't respond by pointing out that any company that charges you with stopping at a zebra crossing is likely to be of a criminal mentality and so unlikely to cancel the PCN plus you didn't want to give away any knowledge you had at that time that could allow them to counteract your claim if it went to Court. There are many ways in which you can see off their stupid claim-you will see them in other threads  where our members have been caught by Met at other airports as well as Bristol.  Time and again they take motorists to Court for "NO Stopping" apparently completely forgetting that the have lost doing that because no stopping is prohibitory and cannot form a contract. Yet they keep on issuing PCNs because so many people just pay up . Crazy . You can see what chuckleheads they are when you read their Claim form which is pursuing you as the driver or the keeper. they don't seem to understand that on airport land because of the Bye laws, the keeper is never liable.   
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    • The King is the second monarch to appear on Bank of England notes which will be fed gradually into the system.View the full article
    • The King is the second monarch to appear on Bank of England notes which will be fed gradually into the system.View the full article
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midge61
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Hi

I have a problem and wondered if anyone could answer it for me. I used to have an account with HSBC which they very kindly closed in May. On Aug 28th a company called Aqua Pay made a deposit of £250 to my HSBC card and the bank accepted it apparently. 6 weekks on and I am still without my money. HSBC claim they cannot trace the payment so they say that I have to take this up with APbut AP claim that the money has gone from their account so therefore I should take it up with HSBC. AP gave me an ARN number which they claim is commonly used within banking and that with this HSBC can trace the money. However HSBC say they have no idea what this number is and they cannot trace the payment.

So I am very p***ed off and minus £250. What I need to know is:

Who is actually holding the money (and earning interest on it)

Who can I threaten with court action

and what is an ARN number

Many thanks in advance for any help offered

Midge61

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Banks normally have some sort of holding account for such funds.

I don't think court action should be required, I would ask HSBC what information they require in order for them to be able to trace the money. (Unfortunately I don't know anything about ARN numbers).

 

I had something similar a couple of years ago. Turned out the sending party had transposed a couple of the digits of my account number. I think we traced it using the date and the sort code / account number of the other party.

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Thanks for the reply.

I will contact HSBC and see what exactly they need to trace the transaction, although when I went in last week they did try to trace it via my account no and sort code and came up with nothing.

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Well I contacted HSBC again and they said that they would do a full investigation and then write to me. I had a reply today stating that they can not find any trace of this £250 payment made on 28th Aug and that I should contact Aqua Pay and ask them to put a trace on it. I had already done this and they had said that it was no longer their problem as they had made the payment, the money has gone out of their account and now it was down to the bank arghhhhhhhhhh

So what do I do now! I'm still minus the £250 and nobody wants to take responsibility!

Any ideas as I really don't know where to go now.

Many thanks

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The way I see it is that it is Aqua Pay's problem even though they say it isn't. Look at it this way, if you owed your credit card your monthly payment and sent it to the wrong place, say your mum's account for instance, so it never arrived, your credit card company would still come after you for the money you owe them, you wouldn't say I've paid it so it's your problem to track it down. Sorry that was a bit long winded wasn't it :) !? Threaten to sue AP for the money they owe you and I'm sure they will soon find out where it went if they don't want to end up paying twice!!

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Hi Midge,

 

It will be AP's responsibility to trace it, it's all very well them telling you it's left their account but if it didn't arrive at your account it will go to holding for a time (6 weeks I think) then get sent back to their account, so they'll have it to pay back to you.

Mr & Mrs Bigboy

 

14/09/06 - Prelim letter sent

15/09/06 - Prelim letters received in Leeds & Canary Wharf (our branch)

29/09/06- LBA Sent

02/10/06 - LBA's received in Leeds & Canary Wharf (our branch)

13/10/06 - Received part offer - rejected

16/10/06 - MCOL issued

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  • 2 weeks later...

Hi

Well this saga is still going on. HSBC wrote and said they couldnt find money go back to AP. Did this got no joy and asked for business name and address to write and complain to. They refused. Rang again and said under Business Names Act they had to provide it so 20 mins later they did! Sent letter a week ago and no answer (no surprise checked companies house and that another story)

Phoned AP again and said this time I would go to Trading Standards.

Surprise Surprise the Manager now going all out to sort it!

Can anyone tell me who are the issuing bank for HSBC debit cards?

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HI

well thats what I thought but I dont have the card anymore to check. The manager from AP has said that she has investigated on my behalf and found out that the co-op bank are the issueing bank of the card but I don't understand this so was trying to check.

Credit cards have an issuing bank and if anything goes wrong you contact the issuers ... apparently not the bank so she says

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midge I think I can safely say without any doubt that an HSBC card is not issued by Co-op bank. What were the first two digits of the sort-code? You haven't got your card anymore but it should be on the payment advice slip that comes with the statements if you've kept these.

 

Atleast AP are doing the running now by all appearances..

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Thanks Bong will go in loft and have a look tomorrow.

What I understood was that if HSBC had taken payment they would have money in a holding account and after 6 weeks send it back to whoever sent it in first place..... namely AP then they should pass it on to me as they should have done in first place. But obviously that would be too simple!!!!!

Well I going to ring AP once again tomorrow but I have insited that they don't try to do refund on any card but pay straight into my bank account .

Hopefully that easy enough to do!!!!!!

WE shall see.

Thanks for help tho

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HI

You know what I've just realised it must have been my Smile account that the card was linked to..........doh! Did't have it for long so forgot about it so I've been chasing wrong bloody bank!!!!

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HI

Phoned Smile they can't trace it either. Phoned AP they say they can't do anything until they get the money back THEN and only then will they pay me. Phoned Smile again and they asked for AP to fax a copy of their BACS trace so they can double check. Phoned AP and have asked them to do this. Had no reply so will have to wait to Mon to chase again.

At this rate won't get the money til next Xmas! What a bloody saga

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